Preferential Mortgage Plan
RateAs low as H+1.35% (cap 2.50%)
* Enjoy Mortgage-Link Account
Net Rate (p.a.)As low as 1.79%*
Loan-to-Value Ratioup to 90%
Loan Tenor30 years
Cash Rebateup to 1.0%
*H : 1 month HIBOR Rate (2020.10.22: 0.441%)

The above information is for reference only, and subject to the latest announcement of HKMA & HKMC.

# For completed residential properties with property value below HK$9 million, the maximum loan amount shall either be (a) calculated at the maximum LTV ratio of 80% and up to 90% or (b) capped at HK$7.2 million, whichever is lower. If the property value is at or above HK$9 million (up to the cap of HK$10 million), the maximum loan amount shall be calculated at the maximum LTV ratio of 80%.

## For properties under construction with property value below HK$4.5 million, the maximum loan amount shall either be (a) calculated at the maximum LTV ratio of 80% and up to 90% or (b) capped at HK$3.6 million, whichever is lower. If the property value is at or above HK$4.5 million (up to the cap of HK$6 million), the maximum loan amount shall be calculated at the maximum LTV ratio of 80%.

You can refer to the “Maximum LTV Ratio” of the HKMCI website for details. 
http://www.hkmc.com.hk/eng/our_business/mortgage_insurance_programme.html

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